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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Philadelphia?

Auto insurance in Philadelphia costs $1,658 for a six-month policy or $276 per month — almost twice as much as the Pennsylvania state average and the most expensive city in the state for car insurance. Our data show that Travelers is the cheapest car insurance company in Philadelphia, costing about $142 per month or $850 every six months.

Philly drivers also pay more than twice the national average. In fact, 39% of our customers in Philadelphia admit they're paying too much for their car insurance. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in Philly based on common factors like age, coverage level and more.

Car Insurance in Philadelphia vs. Pennsylvania

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Car Insurance in Philadelphia vs. Pennsylvania Avg. 6 Mo. Premium
Philadelphia Average $1,658
Pennsylvania Average $878

Source: The Zebra

The cheapest car insurance companies in Philadelphia

1st place medal
1st place: Travelers

Travelers is the cheapest at $142 per month or $850 for a six-month policy.

2nd place medal
2nd place: Nationwide

Costing $1,149 every six months, Nationwide comes in second place.

3rd place medal
3rd place: State Farm

State Farm is the third cheapest company in Philly and costs an average of $1,177 for a six-month policy.

The Zebra's key takeaways about car insurance in Philadelphia:

  • The average cost of a car insurance policy in Philly is $1,658 per six-month policy — or $276 per month.
  • The cheapest company in Philadelphia is Travelers ($850 every six months).
  • Philadelphia ranks as the most expensive city for car insurance in Pennsylvania.
  • 39% of Zebra customers in Philly stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Philadelphia car insurance rates by company

According to our data, the most affordable car insurance company for full coverage in Philly is Travelers. On average, this company costs $142 per month or $850 per six-month policy. The second cheapest is Nationwide at $191 per month.

Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.

Cheapest car insurance companies in Philadelphia, PA
Cheapest Car Insurance Companies in Philadelphia, Pennsylvania

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Company Avg. 6 Mo. Premium
Travelers $850
Nationwide $1,149
State Farm $1,177
GEICO $1,308
Allstate $1,407
Progressive $1,530
USAA $1,612

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies) to find the best and cheapest car insurance in Philadelphia.

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Average car insurance in Philadelphia by rating factor

Insurance companies use a variety of rating factors into consideration when setting rates for their customers. These include things like the driver's age and driving history, credit tier, make and model of the car, the location where the car is driven and the amount of coverage purchased.

Due to these personal factors, the cost of auto insurance in Philadelphia can vary depending on the company and the driver. But because every company weighs these factors differently, the best way to find the best deal on car insurance is by shopping around and comparing rates.

Q: I didn't have an accident — Why is my insurance going up?

A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in Philly.

Auto insurance premiums by age in Philadelphia

Age is one of the most important rating factors when it comes to determining what you pay. Out of all age groups, young drivers — especially teens — have a higher accident rate. Car insurance can be extremely expensive for young drivers due to the increased risk. In Philadelphia, teenage drivers between the ages of 16 and 19 pay over twice as much as drivers in their 20s — the largest such difference between any two age groups.

The best way for younger drivers to save money is by being insured on a parent's policy. While this will increase the overall rate, it's typically still much cheaper than having a separate policy.

Cheapest car insurance companies for teen drivers in Philadelphia, PA
Cheapest Car Insurance Companies for Teen Drivers in Philadelphia, PA

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Company Avg. 6 Mo. Premium
Travelers $2,005
GEICO $3,202
Nationwide $3,627
State Farm $3,889
USAA $4,031
Progressive $4,450
Allstate $13,750

Source: The Zebra

Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s Travelers $1,029
30s Travelers $712
40s Travelers $672
50s Travelers $640
60s Travelers $643
70s Travelers $758

Zebra Tip: The cheapest company for Philly drivers across all age groups is Travelers

Our data show drivers in between the ages of 20-29 make up the bulk of drivers in Philadelphia. On average, this group pays $2,190 every six months but could potentially save over 50% by going with Travelers.

Auto insurance premiums for minimum coverage in Philadelphia

How much coverage you have also plays a role in your premium. A driver with full coverage will pay more than one with minimum coverage. Our data show that 40% of Philly drivers have basic coverage. However, this can still leave you at risk of being underinsured, especially if you're involved in a bad accident with injuries and property damage.

Adding collision coverage or comprehensive coverage (commonly known as full coverage when purchased together) will increase your premium but it could be worth it for peace of mind. These coverages typically require a deductible — and the higher your deductible, the cheaper your rates will be.

Policy add-ons like roadside assistance or uninsured motorist coverage will also protect you against drivers who don't carry coverage. While this will drive up the cost, we still recommend carrying such coverage options because they can go a long way in protecting both you and your vehicle.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

According to The Zebra's data, 49% of drivers in Philly have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.

Cheapest car insurance companies for minimum coverage in Philadelphia, PA
Cheapest Car Insurance Companies for Minimum Coverage in Philadelphia, PA

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Company Avg. 6 Mo. Premium
Travelers $248
Allstate $328
State Farm $426
Nationwide $443
GEICO $458
Progressive $468
USAA $488

Source: The Zebra

Most of our customers in Philly opt for basic level of coverage, but this may not be the best option for everyone. While we understand this is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Pennsylvania's 15/30/5 liability limits provide coverage for damage you cause up to $15,000 per person in bodily injury, $30,000 per accident in bodily injury and $5,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in Pennsylvania.

Philadelphia car insurance rates by credit score

In most states, including Pennsylvania, credit score is a rating factor in determining premiums. There are a few reasons why credit score is a rating factor for auto insurance. Historical data analysis suggests that drivers with lower credit scores are more likely to file claims, have lapses in coverage and engage in risky driving behavior. Since bad credit is associated with higher risk, the poorer your credit, the more you'll pay.

In fact, Philadelphia drivers with poor credit (300-579) pay 94% more than drivers with excellent credit (800-850). Our data tells us most drivers in Philly (31%) have an average (580-679) credit score.

In 2023, Nationwide is the cheapest option for Philadelphia drivers who have bad credit.

car insurance in philly by credit score
Cheapest car insurance companies for bad credit in Philadelphia, PA
Cheapest Car Insurance Companies for Bad Credit in Philadelphia, PA

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Company Avg. 6 Mo. Premium
Nationwide $1,562
USAA $1,612
GEICO $2,385
Travelers $2,399
Allstate $2,497
State Farm $2,556
Progressive $2,684

Source: The Zebra

Auto insurance rates with an at-fault accident

It's no secret that at-fault and collision-type accidents and other insurance claims will raise your premium. In our analysis, we found that the cheapest insurance company in Philadelphia after an at-fault accident is Travelers.

How much your rates increase will depend on various factors, like the severity of the accident. A serious accident can trigger a rate increase by as much as hundreds or thousands per year. Typically, at-fault accidents and speeding tickets will be on your record for three to five years whereas DUIs or DWIs can follow you for longer.

Cheapest car insurance companies after an at-fault accident in Philadelphia, PA
Cheapest Car Insurance Companies After an At-Fault Accident in Philadelphia, PA

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Company Avg. 6 Mo. Premium
Travelers $1,192
State Farm $1,514
Nationwide $1,844
Allstate $1,845
GEICO $2,066
USAA $2,266
Progressive $2,461

Source: The Zebra

Philadelphia car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Philadelphia.

Car insurance rate increases after violations and citations in Philadelphia, PA
Car Insurance Rate Increases After Violations and Citations in Philadelphia, PA

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Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $1,658 0% $0
One Med/PIP claim $1,676 1% $18
Two Med/PIP claims $1,740 5% $83
One comp claim $1,765 6% $107
Not-at-fault accident $1,815 9% $157
At-fault accident - less than $1000 $1,822 10% $164
At-fault accident - $1000-$2000 $1,834 11% $176
Failure to wear a seat belt $1,838 11% $180
Child safety restraint $1,838 11% $180
Cell phone violation $1,859 12% $201
Failure to show documents $1,864 12% $206
Driving with expired registration $1,864 12% $206
Driving without lights $1,866 13% $209
Wrong way/wrong lane $1,880 13% $222
Texting while driving $1,884 14% $226
Following too closely $1,884 14% $226
Illegal turn $1,886 14% $228
Improper passing $1,886 14% $228
Driving too slowly $1,891 14% $234
Speeding 6 - 10 MPH over limit $1,892 14% $234
Passing school bus $1,893 14% $235
Failure to yield $1,893 14% $235
Failure to stop at a red light $1,893 14% $235
Speeding 11 - 15 MPH over limit $1,894 14% $236
Speeding 16 - 20 MPH over limit $1,901 15% $243
Speeding in school zone $1,909 15% $252
Two comp claims $1,913 15% $256
Speeding 21 - 25 MPH over limit $1,940 17% $282
In 65 MPH zone $2,087 26% $429
Open container $2,218 34% $561
Operating a vehicle without permission $2,260 36% $602
At-fault accident - greater than $2000 $2,448 48% $791
Reckless driving $2,855 72% $1,197
Driving with a suspended license $2,933 77% $1,275
Racing $2,967 79% $1,309
Refusal to submit to a chemical test $3,098 87% $1,441
DUI $3,139 89% $1,481
Leaving scene of an accident/hit and run $3,191 92% $1,533

Source: The Zebra

Why is car insurance in Philadelphia so expensive?

Philly is the most expensive city in Pennsylvania for auto insurance, but it's a necessary expense for any car owner. Below you'll find a rundown of why car insurance is so expensive in Philadelphia — regardless of your driving profile.

  • Number of drivers: Philadelphia has a high population density with plenty of commuters that drive to and from the suburbs daily. This translates to increased chances for accidents and other claims, so insurance companies upcharge drivers to make up for the likelihood that they'll file a claim — whether that's sooner or later.
  • Uninsured drivers: According to our data, 68% of Philly drivers are currently insured, meaning there's a decent chance drivers will get in an incident with an uninsured driver.
  • Location: Car insurance rates are priced down to your ZIP code. So if you live in an area with higher-than-average levels of crime, your premium can be higher.
  • Weather risk: While Pennsylvania doesn't face the most severe weather in the nation, the state isn't immune to weather events like storms and cyclones. These increase the likelihood of property damage.

Rates by ZIP code

Expensive Philly ZIP codes: 19140, 19121, 19132, 19133, 19139

Cheap Philly ZIP codes: 19113, 19118, 19128, 19127, 19154

Zebra Tip: Comprehensive coverage and uninsured motorist coverage are good to have in Pennsylvania

Damage caused by weather, animals and vandalism is covered under comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Philadelphia car insurance policy.

Additionally, in cities or ZIP codes with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (also called UMPD). This coverage will provide assistance to you if you or your vehicle are damaged by an underinsured or uninsured driver. This coverage typically has a lower deductible and is cheaper than collision. Plus, the rate increase after a UMPD claim can be hundreds of dollars cheaper than a collision claim.

Bundling insurance policies in Philadelphia

Finding ways to save is becoming more and more important as rates continue to climb. If you're a homeowner or renter, bundling your home or renters policy with your auto insurance is one of the most impactful discounts — you may be able to save as much as 10% or more on your combined premiums. Learn more about bundling home and car insurance.

bundling home and auto insurance in philadelphia
Cheapest car insurance companies for bundling home and auto insurance in Philadelphia, PA
Cheapest Car Insurance Companies for Bundling Home and Auto Insurance in Philadelphia, PA

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Company Avg. 6 Mo. Premium
Travelers $765
State Farm $943
Nationwide $997
Allstate $1,157
GEICO $1,260
Progressive $1,314
USAA $1,458

Source: The Zebra

While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

Philly drivers can expect to pay about $276 per month or $1,658 for a six-month policy, making it the most expensive state for auto insurance in Pennsylvania.

By law, all Pennsylvania drivers must carry car insurance in order to drive legally. They must carry a minimum of 15/30/5 for liability coverage, which means $15,000 for bodily injury per person, $30,000 for bodily injury per accident and $5,000 for property damage per accident. They are also required to carry $5,000 in first-party benefits (FPB). While Pennsylvania is a no-fault state, drivers can opt-out by choosing a full tort policy.

Numerous factors can lead to insurance companies charging higher rates due to the increased risk of claims. Philadelphia has a high population density with a good number of daily commuters, making the likelihood of accidents and other claims higher. In addition to this, the number of uninsured drivers and where you live also matter, especially if you live in a ZIP code that has a higher-than-average rate of crime. Weather events can also lead to claims which will drive up the cost of car insurance in Philadelphia.

Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Philadelphia, PA

Recently answered questions about car insurance in Philadelphia from real Zebra customers

Car insurance near me in Philadelphia

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.